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Including video in a landing page can increase conversion by 80% i
People spend on average 2.6x more time on pages with video than without i
65% of video viewers watch at least two thirds of a video i

Real-time experience

By combining AHC’s Lifetime Supermodeller with Creativa’s innovative video creation technology, we have developed a unique real-time experience.

Once you have completed the 'about you' screen, your results are shown as an engaging, personalised video, which explains what the calculations mean for you and your retirement.

Personalisation and Customisation are two of the fastest growing ‘Megatrends’ in delivering effective communication and delivering modeller outcomes in this way is a game changer.

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$000,000 Income at retirement
$000,000 Projected balance at retirement
00 Run out age

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$000,000 Income at retirement
$000,000 Projected balance at retirement
00 Run out age
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If your super pension payment is less than the minimum allowed, we have assumed excess drawdown will be invested in super.
The after-tax contributions you've entered would result in you exceeding your after-tax contributions cap. The calculator has capped contribution amounts keep you within these limits.

Contributions

Please tell us about any additional contributions you make. The sliders are limited by your maximum available contribution.

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Investment mix

See how your investment choice can affect your retirement income.

Part time work

Are you planning to work part time

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Transition to retirement

A transition to retirement strategy allows you to draw money from your super while you continue to work. You can top up your super by contributing some or all of your salary providing a tax-effective way of saving for retirement. We'll do these calculations for you to give you an idea of how much you could save.

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Age pension

Help us calculate your age pension eligibility. Your age pension payments are automatically included in your retirement income

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Introducing AHC – we speak your members’ language

We’re a world class employee communication house, specialising in super, employee benefits and change communications. As experts in creating understanding, shaping attitudes and inspiring behaviours, we enable better outcomes for your members or employees.

As we’re constantly thinking of new ways to engage members, our range of bespoke services is always growing - so here's just a snapshot of what we do:

Websites – Modelling tools – Projection Statements – Mobile apps – Animations

If you want to hear more about how we can help you connect with your members, or if you’d simply like an informal chat, we’d love to hear from you!

Please contact Thomas Reeh:
Email: [email protected]
Call: +61 (3)9670 4630

Superannuation calculator assumptions

Inflation

Wage inflation of 4.0% pa has been assumed by default. This rate has also been used when discounting future amounts to current values.

Personal income

The user's salary is assumed to increase in line with wage inflation. In any future periods where the user has a period of part-time employment, their salary is reduced pro-rata.

Tax calculations allow for Personal Income Tax rates, the Medicare Levy, the Low Income Tax Offset and the Senior Australian Tax Offset. Threshold and Offset amounts in the first year are based on current rates. Thereafter they are indexed in line with wage inflation.

Employer contributions

The user is assumed to receive superannuation guarantee contributions. The assumed rates of contribution are:

Financial yearRate
01/07/20139.25%
01/07/20149.50%
01/07/20159.50%
01/07/20169.50%
01/07/20179.50%
01/07/20189.50%
01/07/20199.50%
01/07/20209.50%
01/07/202110.00%
01/07/202210.50%
01/07/202311.00%
01/07/202411.50%
01/07/202512.00%

Superannuation guarantee contributions are subject to the maximum contribution base, which is currently $49,430 per quarter. This threshold is indexed annually in line with wage inflation.

Member contributions

Regular concessional or non-concessional contributions entered by the user are assumed to increase in each year in line with the user's salary. In any periods of part-time work, the user's contributions are assumed to decrease pro-rata.

The amount of a one-off non-concessional contribution entered by the user is assumed to be fixed, and is not indexed.

Where a Concessional or Non-concessional contribution exceeds the corresponding legislated contribution thresholds, the contributions are taxed accordingly. From 01/07/14 concessional contributions are taxed at 15% in the superannuation environment. Concessional contributions in excess of the contribution threshold are subject to additional tax; however this is levied in the income tax environment.

The Concessional and Non-Concessional contribution thresholds are indexed in line with the assumed rate of wage inflation.

Contributions are assumed to be spread evenly across the year.

Co-contribution

In each projection year, the user's eligibility for a Government co-contribution is assessed based on their salary and non-concessional contributions. A co-contribution is made to the superannuation account if applicable.

The co-contribution thresholds and maximum amount are indexed in line with wage inflation.

Investment earnings

Based on the investment return selected, the member's superannuation and pension accounts are assumed to earn anticipated investment returns of between 5.4% and 9.0% per annum before fees and tax. Earnings in the superannuation account are assumed to be taxed at the relevant rate (based on the percentage of funds invested in shares, and allowing for dividend imputation and the capital gains tax concession) Earnings in the pension account are assumed to be tax-free.

Investment earnings are assumed to be credited continuously to the fund.

Earnings
rate
Percentage
in shares
Conservative5.4%10%
Moderately Conservative6.0%25%
Balanced7.0%50%
Moderately Aggressive8.0%75%
Aggressive9.0%90%

Investment earnings are assumed to be credited continuously to the fund.

Fees and insurance premiums

Fees and insurance premiums are assumed to be as follows:

Management cost (% of assets)0.55%
Dollar fee (per annum)$55.00
Contribution fee (% of contribution)5.00%
Insurance premiums (per annum)$78.00
Adviser service fee (% of assets)0.00%

Fees are assumed to be tax-deductible in the fund. Contribution fees are deducted at the time of contribution. Other fees and insurance premiums are deducted continuously.

Dollar fees and insurance premiums are assumed to increase in line with the assumed level of general wage inflation. Other fees are assumed to remain constant in percentage terms over the projection period.

Life expectancy

Life expectancies allow for future mortality improvements. They were derived based on the medium mortality rate assumptions in the Australian Bureau of Statistics in "Population Projections 2006-2101".

Age pension

Current Age pension thresholds and rates of payment are allowed for, based on the Single/Couple and Homeowner status of the user. Thresholds and rates of payment are indexed in line with CPI.

The age pension is subject to an asset test and an income test.

The asset test is based on the accrued balance of superannuation assets and other assets.

The age pension income test is based on deemed, rather than actual, income on superannuation and other assets.

Transition to retirement

The transition to retirement optimisation: assumes that the user continues working at the same rate; makes additional salary sacrifice contributions and draws a pension such that their net income remains constant; calculates the contribution and drawing level which maximises the benefit within the superannuation environment.

Drawings

The drawings from superannuation in retirement are calculated as: Required income less other income (as entered by the user) less any age pension amounts (as calculated by the program).

Minimum drawings

There are statutory minimum superannuation drawings in both the TTR phase and in retirement (once funds have been converted to the pension phase). For the purpose of this projection, this minimum is effectively ignored in the TTR phase, on the basis that any excess drawings could be re-contributed as non-concessional contributions. Minimum drawing requirements are also ignored in the retirement phase. Though the funds would have to be withdrawn from superannuation, if they were not required to be spent to meet the individual's target income, they would still be available, say in a bank account. Seen from the perspective of retirement funding, and without the complication of including an account external to superannuation, it seems better then to ignore the minimum drawing levels.

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Edit user defined investment option

AHC’s Lifetime Supermodeller with Creativa’s innovative video creation technology/5.2.2r20
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